The Great Rebundling

Are fintech fragments becoming new financial empires?

The last decade was about breaking financial services apart, unbundling products, processes and entire business models.

We’re entering a new generation of change.

Customers don’t care about fragmentation. They’re hungry for seamless journeys and offerings that just work, wherever they are.

Banks, fintechs, platforms, and big tech are racing to stitch those fragments back together, building borderless experiences that meet modern expectations.

In Europe, cost pressures, slowing revenue growth, and investor demand for profitability are accelerating this trend.

The future belongs to those who can turn today’s scattered solutions into tomorrow’s financial empires.

Among the topics we’ll be exploring

  • Consolidation and M&A Among Banks, Fintechs, and Platforms
  • Macro Forces in Financial Services
  • The Race for Distribution
  • Embedded Finance 2.0
  • Rebundled Journeys and Propositions
  • The Fintech Funding Landscape
  • Big Tech’s Financial Ambitions

Why it matters?

  1. In H1 2025, global fintech investment reached $24 billion across 2,597 deals, a 6% increase on H2 2024. UK funding was flat at $1.5 billion, while the Rest of Europe reported a 28% rebound to $2.9bn, led by France and Germany (Innovate Finance, FinTech Investment Landscape H1 2025, 24 July 2025).

  2. A surge in European domestic and regional banking acquisitions during H1 2025 drove total financial services M&A deal value up 70% to $89 billion (PwC, 2025 mid-year outlook: Global M&A trends in financial services, 24 June 2025).

  3. European fintech is transitioning to a more sustainable phase of growth, with average customer growth of 34%, revenue growth of 36% and profit growth of 37% between 2022-2023 (World Economic Forum, The Future of Global Fintech: From Rapid Expansion to Sustainable Growth – Second Edition, 25 June 2025).